A Five-Year Plan.

Me: So my insurance company has a strict age rule on colonoscopies, so it will cost $3000 for me to get one before I’m 50.

Her: What? Even though you’re high risk?

Me: Yeah. And I’m up to $2100 of a $3100 deductible for this year and my health savings account won’t have enough money for at least two years to cover a colonoscopy. So, if I get stage 4 colon cancer when I’m 47 and I die, will you sue Blue Cross for wrongful death?